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Ian Rutherford - Buy to Let Remortgage
They got us a great deal on our mortgage and pushed everything through just in the nick of time. I would definitely recommend. ...Read More

Expat Mortgages

Buying a property in the UK if you’ve moved abroad can be time-consuming and frustrating, especially if you are paid in a currency other than UK sterling.

The lack of a permanent UK address can also hinder mortgage applications while many of the usual credit checks that lenders in the UK run do not work sufficiently well where borrowers live and work overseas.

It’s not impossible however and our advisers are specialists in securing attractive rates for British expats in just this position.

Which lenders offer expat mortgages?

Following several changes to the mortgage rules since 2010, the number of British lenders offering expats mortgages in the UK has got a lot smaller.

Unlike with straightforward residential mortgages, it’s much harder to find a list of ‘best buy’ rates. This is where a mortgage broker comes in. We have special relationships with a number of lenders that have experience dealing with expat lending.

These include several smaller building societies and a few specialist lenders that deal only with intermediaries.


What Our Customers Say

Customer - Product Transfer
Very good service from the team. Peter Bartlett is very clear and explains the options very well. ...Read More
1 months, 4 days ago

Gary Towlson - Product Transfer
Excellent service as always - thank you! ...Read More
1 months, 4 days ago

Customer - Remortgage
Both Mr James Drury and Mr Stephen March have been highly professional and helpful in answering all queries in timely manner. They have done their best to make the process of our remortgage to go as smooth as possible. ...Read More
1 months, 22 days ago

Alan Mather - Purchase
Would recommend without hesitation superbly supported with transparent advice from Peter and then great follow up by Anna. ...Read More
1 months, 22 days ago

Find out more

Can I Get an Expat Mortgage?

Lenders are tough on expats because they have to show evidence that they know you can afford to repay the mortgage payments monthly.

If you are paid in a currency other than sterling, your ability to afford the repayments will be affected by the exchange rate between the pound and the currency you are paid in. This means that most lenders will lend you a mortgage on a smaller proportion of your salary than if you were earning in the UK.

There are more options for those looking to borrow more than £100,000 and who already have a mortgage in the UK. Also expats working in a country that is signed up to the Financial Action Task Force and who earn more than £40,000 or the equivalent in US dollars or in euros are in a reasonably strong position.

There is still help we can offer if your income doesn’t fit this mould. Speak to one of advisers for more information.

Contact Capital Fortune


What About Expat Buy-to-Let?

While some expats look to buy a property for themselves when they’re coming home after working abroad and therefore need a residential mortgage, most expats buy a property at home and rent it out while they live and work abroad.

For this, you will need a buy-to-let mortgage. The way buy-to-let affordability is assessed has become stricter in recent years but generally speaking, you will need to show that the rental income on the property exceeds the mortgage payment at a ratio of 145 per cent.

For more on buy-to-let mortgages, click here

Because the mortgage affordability relies on rental income in the UK, this can make it easier to secure than an expat residential mortgage. However, proof of address, credit history and income will still need to be verified, especially as some buy-to-let lenders now ask to see personal income to supplement rental income.

Some forms Buy to Let mortgages are not regulated by the Financial Conduct Authority.


Offshore Mortgages

There are still some lenders that accept applications for offshore companies or individuals using trusts based offshore. This is type of lending can be complex in terms of the tax payable, with the government making several changes in recent Budgets to the way in which offshore investments are treated.


For this reason, we would always recommend you get independent tax advice if considering using offshore vehicles. Our advisers are specialist in helping investors using these types of investing structures and would be happy to speak to you about how we can help.

Find Out Current Rates

Property Value
Mortgage Amount
Reason for Mortgage
Mortgage Type
LenderInitial RateTypeForThenAPRC*ERC*Fee
Scottish BS 2 Year Discount £995 Fee Purchase BSO3.29%Discount2 years6.99%6.6%2 years £995
Scottish BS 2 Year Discount £995 Fee Professional Purchase BSO3.29%Discount2 years6.99%6.6%2 years £995
Newcastle BS Direct / Semi Exclusive 2 Year Discount £999 Fee NBS3.29%DiscountJan-20254.91%4.9%31-Jan-2025 £999
Chorley BS Intermediary 2 Year Discount £999 Fee BCO3.3%Discount2 years6.99%6.6%2 years £999
Chorley BS Positive Lending Intermediary 2 Year Discount £999 Fee BCO3.3%Discount2 years6.99%6.6%2 years £999
Barclays Bank 2 Year Tracker £999 Fee Purchase Premier C/A BWO3.3%Tracker2 years6.49%6.1% £999
Barclays Bank 2 Year Tracker £999 Fee Purchase No ERC BWO3.4%Tracker2 years6.49%6.2% £999
Scottish BS 2 Year Discount No Fee Purchase BSO3.49%Discount2 years6.99%6.5%2 years £0
Scottish BS 2 Year Discount No Fee Professional Purchase BSO3.49%Discount2 years6.99%6.5%2 years £0
Newcastle BS Direct / Semi Exclusive 2 Year Discount No Fee NBS3.49%DiscountJan-20254.91%4.8%31-Jan-2025 £0


Rates are updated daily and can be withdrawn at anytime withoutnotice by lenders.

Think carefully about securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any other debts secured on it.

Commercial Mortgages and some forms of Part Commercial & Buy to Let mortgages are not regulated.

*APRc = Annual Percentage Rate Change
*ERC = Early Repayment Charge
The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000;Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months;Lender Fee: not added.The mortgage deals shown above are subject to individual status and a suitable security property. You may not be eligible for some or all of the deals shown given your status and/or the nature of the security property. For a more accurate indication as to mortgage deals you are eligible for, please contact us to discuss your specific situation and/or property.

Discounted Rates

Scottish BS 2 Year Discount £995 Fee Purchase BSO3.29%
then 6.99
DiscountRead More
Scottish BS 2 Year Discount £995 Fee Professional Purchase BSO3.29%
then 6.99
DiscountRead More
Newcastle BS Direct / Semi Exclusive 2 Year Discount £999 Fee NBS3.29%
then 4.91
DiscountRead More

5 Year Fixed Rates

HSBC RETENTION Direct 5 Year Fixed £1499 Fee C/A Premier Standard HSB4.56%
then 6.29
FixedRead More
HSBC RETENTION Direct 5 Year Fixed £999 Fee Standard HSB4.59%
then 6.29
FixedRead More
HSBC RETENTION Direct 3 Year Fixed £999 Fee Standard HSB4.64%
then 6.29
FixedRead More

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